Very unhappy with assistance. Multiple emails, long wait time for customer service on phone calls. Need to update my personal information and was told my personal email is not good enough and I need t... Toon meer
Bedrijf heeft geantwoord
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Zip is very helpful for myself When I have an unexpected bill or need to purchase something and I am short of cash at that time ,I know that I have my zip account I can rely on
Bedrijf heeft geantwoord
Very understanding and patience when you are in finance trubble there always there to help solve the issue great to deal with very happy to do business with cheers
Bedrijf heeft geantwoord
I love having Zip on hand for those unexpected emergencies Simple to use repayments easy You are rewarded with increases for good conduct which is fair enough All about trust and reliability... Toon meer
Bedrijf heeft geantwoord
Bedrijfsgegevens
Geschreven door het bedrijf
Founded in Australia in 2013, Zip is a homegrown financial services company, helping people manage real life with smarter, more flexible ways to pay, borrow and plan. We believe money should help people move forward, not hold them back. Through a growing range of products - including Zip Pay, Zip Plus, Zip Money, Zip Personal Loan and ZMobile - Zip gives Australians more choice and control over their everyday finances. Whether it's managing day-to-day expenses, funding life's bigger moments or staying connected, Zip helps people stay in control today and move towards tomorrow. We're here to help Australians spend better, live lighter and unlock their financial potential.
Contactgegevens
Level 7/180 George St, 2000, Sydney, Australië
- 02 8294 2345
- hello@care.zip.co
- zippay.com.au
4,1
Goed
4K reviews
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Customer service is such a nightmare
Customer service is such a nightmare, they are just taking the piss. I tried to submit a request to reduce my credit amount as I need this for my re-finance. They not only lied about contacting me, but also came up with some arbitrary reason to close the complaint I lodged by saying they didn’t receive the ‘ requested information ‘ that was asked 2 hours prior closing the complaint. They didn’t process my request claiming I didnt get back to them. No call, or text or email was received from my end before I got an email claiming they couldn’t process the request due to the inability to contact me. I don’t know what happened in their customer service department, or there are just people taking the piss regarding customer’s request in the department. I really just hope it is not their moto to deal with customers’ requests. The person who closed the complaint was named Amirah. Just be mindful, if you ever submit a complaint and further information is asked , you have 2 hours to respond before they mark the complaint as closed.
28 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Ben,
We’re sorry to hear about your experience, particularly when you were trying to make an important change to your account.
We understand your concerns around the communication you received and how your complaint was handled. This isn’t the experience we want for our customers, and we’d like the opportunity to review what happened and ensure your request is properly addressed.
Please reach out via the form below so we can take a closer look:
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360007286675&tf_description=REF:382022
- Johny
Better than Banks to deal with!
Very useful easy to work with as long as one understands how to budget and keep within agreed $$$ limits. User friendly and I hope to continue for a long time.
26 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Tadeusz,
Thank you for reaching out and sharing your fantastic feedback!
We’re glad to hear you’re finding Zip useful, user-friendly and easy to manage. It’s great to hear the flexibility works well for you alongside keeping within a budget that suits your circumstances.
We really appreciate your continued support and hope to have you with us for many years to come!
- Johny
So easy to use
So easy to use , great for bills and easy to pay off!
25 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Donna,
Thanks so much for the great feedback!
We’re glad to hear you’re finding Zip easy to use and helpful for managing bills and repayments. It’s great to know the experience has been smooth and convenient for you.
We really appreciate your support!
- Johny
Love ZIP pay
Love ZIP pay. It is so convenient and easy to set up a repayment schedule that you can afford. It has certainly helped me in weeks when I needed a little extra.
It’s accepted in many sites that I love to shop in. No interest pay back is very appreciated.💕
21 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Jane,
Thanks for sharing your experience with us!
We’re delighted to hear you’re loving Zip Pay and finding the repayment flexibility convenient and helpful when you need a little extra breathing room.
It’s also great to know you’re enjoying being able to use Zip at so many of your favourite places. We appreciate the kind words!
- Johny
Great product the best
Great product, I would be happy to recommend to anyone. It works every time and helps budget in these challenging times. I use it regularly just to get through day to day expenses.
23 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi John,
It’s amazing to hear how Zip has been helping you manage your finances and giving you that extra support when needed.
I really appreciate your recommendation and continued support :)
-Joseph
Absolutely fantastic… works everywhere…
Absolutely fantastic… works everywhere just tap n go with your phone no interest if you pay within the time set or pay a competitive interest rate… can’t go wrong I’ve been using it for years now.. A+ with customer support also & you can understand what that are saying👍👍
22 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Paul,
What a fantastic review to read 💜
I’m so glad Zip has been easy and convenient to use over the years, and that tap and go has made everyday purchases even simpler.
It’s also great to hear you’ve had such a positive experience with the Customer Support team. Thanks so much for the A+ and your continued support 👍
-Joseph
Great but limited.
It’s great use it every fortnight i don’t pay $40 a month like it says to I pay it back in full as soon as I get paid so if my limit is $350 I use that and pay it back in full but never understood I was was classed as not being able to be to be accepted for zip money or the other higher limits. But other then that if you need help for subscriptions and little things it’s perfect!
21 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Cooper,
Thanks for sharing your experience with us.
We’re glad Zip has been helpful for managing those smaller everyday expenses. We also understand your questions around eligibility for Zip Money and higher limits. Eligibility is determined by considering a range of factors, with repayment history being just one part of the overall assessment.
We appreciate your feedback and continued support!
- Johny
I had a zip account
I had a zip account, never missed a payment and they suddenly closed my account. Could not get an explanation from them. Just paid it off and closed accounts for good
Very bad customer service
****Updated they emailed and fixed the issue
18 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Christy,
I’m sorry to hear about your experience and appreciate you taking the time to share your feedback.
So I can look further into what happened, can you please provide your details using the form link below?
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360013183676&tf_description=REF:382022
Once received, I’ll be able to securely review your account and correspond with you via email.
- Amirah
Devastating and dehumanising…
Devastating and dehumanising experience. When I first signed up back in 2019 I was only jobseeker, only getting very little a fortnight. After a few years of being a loyal customer I had to go on hardship payments as I was having a tough time. After I had paid my balance I contacted hoping to get the lock off of both of my accounts, instead they were closed. I remember I have contacted several times for an explanation but I never truly got one. This month I decided to contact again to see if I was eligible to reopen my accounts. I was made to reapply only to be denied. I don’t understand how it was ok for a 19 year old without a job to be able to have 2 open accounts and now that I have a stable income, that is a lot more than when I first signed up, I can’t use Zip. Interesting terms and conditions.
I only tried to use Zip again as I saw it as my only way to pay for medical assessments.
10 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Cindy,
We’re sorry to hear about your experience, particularly after being a Zip customer for several years. We understand how disappointing it would be to receive an outcome you weren’t expecting.
Applications are assessed based on current circumstances and our lending criteria at the time of application, which means a previous approval doesn’t guarantee that a new application will be approved.
We appreciate that you’ve been seeking clearer answers and would welcome the opportunity to provide further clarification privately. Please reach out to our team via the form below:
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360013183676&tf_description=REF:382022
- Johny
I like the idea of having back up money…
I like the idea of having back up money as sometimes the builder I work for can take 4 to 5 weeks to pay so zip gets me through then I pay it back as quick as possible and haven’t paid any interest in over 2 years. The only shitty thing is the rewards system is very ordinary and in 9 years have never received a red cent in bonuses of rewards. I think I only pay the admin fee off $9.95 which is fine. I hardly read statements so maybe I should check and see if there’s any hidden costs. But overall ZIP has been great for me.
13 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Mark,
Thanks for reaching out to share your feedback with us.
We’re really pleased to hear Zip has provided you with helpful flexibility over the years and has worked well for your circumstances. We also appreciate your honest feedback about our rewards offering and understand there’s room for us to improve the experience.
Thanks for being with Zip for 9 years and for sharing what’s working well, as well as where we can do better.
- Johny
I love zip because it helps me a lot in budgeting
I love zip because it helps me a lot in budgeting my finances even with a very tight budget due to allowing customers to have the flexibility of paying instalment monthly compared to Afterpay that requires you to pay fortnightly. That is why even though Afterpay gave me $4,000 to use I can only use the amount that I can afford to pay fortnightly. Its my habit to only borrow money from credit card that I can afford to pay without much interest so I always refer zip pay to other people even though I don’t get credit from zip pay for it. Even though I am sad that zip pay reduced the maximum amount I can borrow to only $1,500. That is why I only give 4 star
3 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi there,
I really appreciate you sharing such a thoughtful review. It’s great to hear Zip Pay has been helping you manage your budget in a way that suits your circumstances and that the repayment flexibility has been useful for you.
Thank you as well for recommending Zip to others and for your continued support. I appreciate your feedback around the product changes too.
Have a great day :)
-Joseph
Super easy
Super easy, reasonable rates and great versatility in terms of repayment options.
13 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Natalia,
It’s fantastic to hear you’ve found Zip simple to use, with reasonable rates and repayment options that give you plenty of flexibility.
I really appreciate you sharing your experience :)
-Joseph
I got zip plus high interest even on small amounts
I got zip plus and they only offer $1000 interest free..before it used to be $1500 and $10 monthly fee which is ok if you have even $20 balance..at the end of month but interest for over $1000 not worth while others credit cards giving 6 months int free even $20,000 ... so not good anymore.. wont recommend
25 juli 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Sam,
I’m sorry to hear about your experience and appreciate you taking the time to provide this feedback.
So I can look further into this, can you please complete the form below:
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360013183676&tf_description=REF:382022
Once received, I’ll be able to securely access your account and correspond with you via email.
-Joseph
Great customer service
12 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Gavin,
Thanks so much for the great feedback! We're thrilled to hear you had a great experience with our team :)
We really appreciate your support!
-Patrick
Each month I’m being make to fight for…
Each month I’m being make to fight for the 70 dollars cash back if you send more than. 700 and pay it on time
10 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi there,
I’m sorry to hear and understand how frustrating this would be.
I’d like to have this looked into further for you. Please provide your details using the form below:
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360013183676&tf_description=REF:382022
Once received, I’ll be able to review your concerns and correspond with you via email.
- Amirah
To be treated with respect and empathy…
To be treated with respect and empathy amidst financial troubles.
6 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Scott,
Thank you for sharing this!
I’m really pleased to hear you felt respected and supported during a challenging financial period.
Being met with empathy and understanding can make such a difference when things are difficult, and I’m glad you had that experience with Zip.
Wishing you all the best 💜
- Amirah
Friendly support staff
Friendly support staff. Prompt replies. Very helpful business.
Happy customer here
5 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi there,
It’s wonderful to hear the team was friendly, prompt, and helpful throughout your experience.
Thanks for taking the time to share this :)
-Joseph
Tayla was amazing and very efficient…
Tayla was amazing and very efficient thank you zip and staff
4 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi there,
It’s fantastic to hear Tayla made such a positive impression. I’m so pleased she was able to help efficiently, and I’ll be sure your kind words are shared with her.
Thanks for your lovely review and support :)
-Joseph
Don't bother 1) you need to be…
Don't bother 1) you need to be extremely careful even if you think your paying on time its complicated. You need to go in and manually change the payment to auto pay, other wise $9.95 a month. 2) Promo $50 rewards each month, you need to chase them down and even then they give you run around. 3) I've used several cc companies, I join get the rewards and leave, this one is not even worth the rewards.
5 augustus 2026
Review zonder uitnodiging
Antwoord van Zip AU
Hi Bill,
I’m sorry to hear about the difficulties you’ve experienced and the frustration this has caused. I understand how disappointing it can be when things don’t feel as clear or straightforward as expected. However, I am grateful to take your feedback to our releavant teams for further review.
So I can look further into your concerns, can you please provide your details using the form below:
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360007286675&tf_description=REF:382023
Once received, I will be able to securely access your account and correspond with you via email.
-Joseph
Antwoord van Zip AU
Hi there,
Thank you so much for the 5-stars!
We are so pleased to hear you’re enjoying Zip and that it’s been working well for you.
I really appreciate you taking the time to leave a review.
Have a lovely day 😊
- Amirah
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